Insurance & Payment Information
We accept most major insurance plans and offer multiple payment options to make quality eye care accessible and affordable.
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Insurance Verification
Check Your Coverage
Before your visit, please verify that Horizon Eye Care is in-network for your specific plan.
Questions to Ask Your Insurance Company:
- Is Horizon Eye Care in-network for my plan?
- What’s my copay for routine eye care?
- Is a referral required for specialty care?
- Is refraction (glasses prescription) covered?
- What’s my deductible and has it been met?
Accepted Insurance Plans
Major Health Insurance Plans We Accept:
Most Commonly Used
- Aetna
- Blue Cross Blue Shield of NC
- Blue Cross Blue Shield of SC
- Cigna
- Medicare
- United Healthcare
Vision Insurance Plans
- EyeMed (Plans A-H)
- VSP (Vision Service Plan)
- Blue Cross Blue Shield Vision
Government Plans
- Medicare
- Medicaid of NC
- Medicaid of SC
- Tricare (not including Tricare Prime)
- ChampVA
- Veterans Administration Community Care
Complete List of Accepted Plans
- AARP Medicare
- Absolute Total Care
- Medicare (Medical Only)
- Advicare (Pediatric Medical Only)
- Americas First Choice Medicare
- Amerihealth Caritas Medicaid of NC
- Blue Choice HealthPlan
- Blue Medicare of North and South Carolina
- Care N’ Care (Medical Only)
- Carolina Complete Health Medicaid of NC (Medical Only)
- Community Eye Care
- Evercare Medicare (Medical Only)
- First Health PPO
- GEHA
- Healthgram
- HealthPartners
- HealthPartners Medicare
- Humana Medicare
- Longevity Medicare
- Mailhandlers
- Medcost
- Molina Healthcare SC (Medical Only)
- Multiplan
- PHCS
- Premier Health Systems
- Prime Health Services
- Provider Select
- PruittHealth Premier Medicare
- Select Health of SC Medicaid (Medical Only)
- Services for the Blind NC
- Wellcare SC Medicaid (Medical Only)
- Wellcare SC Medicare (Medical Only)
Note: Some companies offer specific medical and/or vision plans that limit participating providers. Always check your specific plan to ensure our participation.
Understanding Your Eye Care Benefits
Medical vs. Vision Insurance
Medical Insurance (Health Insurance)
- Covers treatment of eye diseases and medical conditions
- Includes glaucoma, cataracts, diabetic eye care, retinal problems
- May require copays or deductibles
- Generally covers medically necessary procedures
Vision Insurance
- Covers routine eye exams and vision correction
- Includes glasses, contact lenses, and vision-related services
- Often has annual benefits with specific allowances
- May not cover medical eye problems
Important: Generally, only one type of insurance (medical or vision) can be billed for an office visit.
Cost Information
Medical vs. Vision Insurance
Self-Pay Rates (No Insurance)
Comprehensive Eye Exam: $180 Includes medical examination and refraction (glasses prescription) Discounted rate available only when paid at time of service.
Additional Services:
- Optomap (Non-dilated retinal imaging): $40
- Contact Lens Evaluation: $79-$279 (depending on type)
- Refraction Only: $50 (prompt-pay rate)
Post-Cataract Surgery Glasses: Insurance typically covers basic frames and lenses. Upgrades and premium options are patient responsibility.
Payment Policies
Payment at Time of Service:
- All copays must be collected at time of service
- Non-covered services (like refraction) are due at visit
- We’ll verify your benefits and explain costs upfront
Payment Methods Accepted:
- Cash
- Check
- Credit Cards (Visa, MasterCard, Discover, American Express)
- HSA/FSA accounts
- CareCredit financing
Financing Options
Alphaeon Credit: Special financing available for eye care procedures and treatments.
Benefits:
- No interest plans available (up to 12 months)
- Extended payment plans
- Quick approval process
- Can be used for multiple family members
Apply Online: https://goalphaeon.com/
Phone: 1-855-497-8176
Payment Plans: We can arrange payment plans for qualifying patients and larger procedures. Speak with our billing team to discuss options.
Insurance Claims & Billing
How We Handle Your Insurance
- We verify your benefits when you check in
- We submit claims directly to your insurance company
- You’ll receive an
- Explanation of Benefits (EOB) from your insurer
- We’ll bill you for any remaining balance
Billing Questions
Contact our billing department at (704) 365-0555 for questions about:
- Explanation of Benefits
- Payment arrangements
- Insurance claim status
- Billing disputes
Special Situations
No Insurance? We offer competitive self-pay rates and financing options to make care affordable.
Vision Insurance Only? If we discover medical conditions during your routine exam, we may need to schedule a separate medical visit to properly treat these conditions under your health insurance.
Multiple Insurance Plans? Bring all insurance cards. We’ll determine the best way to process your claims.
Workers’ Compensation: We accept workers’ compensation cases for work-related eye injuries.
Surprise Billing Protection
Your Rights and Protections: You have rights and protections against surprise medical bills under federal law.
Frequently Asked Questions
Contact Our Billing Team
Questions about costs, insurance, or billing?
Our experienced billing team is here to help:
- Phone: (704) 365-0555
- Hours: Monday to Thursday from 8AM-5PM, Friday from 8AM-3PM
- Billing Address: Horizon Eye Care, P.A. 135 S. Sharon Amity Rd Charlotte, NC 28211